...In the last half of chapter 7, we look into how home life and other non-war dilemmas played into the war, without actually going into battle. Many of the men that went into battle were married and left their wives to run their homes on their own. There were also many people who were against the war on Britain and chose not to welcome the war and participate in anything war-related. Loyalists and Patriots were separated and it increased the tension throughout the colonies. These caused more conflicts for the Second Continental Congress because not only did they have to worry on Britain and the war, but they also had to ponder on how they were going to deal with issues on the home-front. One of the major factors pushing citizens to be neutral and to side with the Revolution was the harsh treatment of prisoners of war by the British....
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...Chapter seven is the resolution of the love triangle of Gatsby, Tom and Daisy that was built up in the previous chapters. Ever since Tom caught hold of the vibe between Gatsby and his wife and he has been able to get hold of Gatsby’s bootlegging business, waiting for an opportunity for a opportunity to dismay Gatsby of his dreams. Gatsby has been trying to recreate the past of him and Daisy, fully believing that this time he will successfully woo Daisy into his arms because he is no longer a poor solider. Daisy on the other hand, is stuck in a dilemma between Tom and Gatsby not knowing who is the right choice. But at the end it is discovered that even though Daisy love for Gatsby becomes more apparent over time, she is still loyal to Tom at...
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...In “Chapter 7” Irene Hunt discusses, how the previous, immense fire affects the people at the carnival. Josh and Joey leave because Pete Harris has to take care of Emily and her children, with the little that he has. Before they leave, Josh and Joey give their goodbyes to everyone. The boys begin to look for Edward C. However, they cannot find him and Blegean gives the boys a letter from him. It expresses how their kindness meant a lot to him. Despite the sadness, the boys still had to leave. In the afternoon, the two boys begin to travel back to Nebraska. They are fortunate enough to catch two rides before it gets dark. The man who gives them their second ride is not like Loonie. He constantly talks about the people who caused the hunger all over the country. However, when the man could not take the boys any further, they get out of his truck. A few days later, they find a group of men around a campfire. The men are talking about the suffering and the starving, they are going through, and how it is not fair to them. Josh realizes that he should not spend his time complaining about the situation the country is in, but he should do his best to get his brother and himself through...
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...In chapter 7, Heather explains how the Huns were able to cause so many difficulties for the Empire. Heather compares the destruction that they caused to the Persians. He talks about a Hun by the name of Attila, who was able to spread devastation throughout Europe. Attila came onto the scene as a co-ruler of the Huns with his brother Bleda, in the late 430’s. They received their power from their uncle Rua (Heather 300). The Huns were able to lay siege to heavily fortified cities. Heather admits that there is no source as to where the Huns learned how to do this (Heather 303). Still, this ability surprised the Romans. There were key transformations that enabled the Huns to rival the Romans in their military might. One of these changes was the centralization of the Huns. Attila had his brother murdered in either the year 444 or 445. Afterwards, he claimed single leadership. In doing so, he was able to break away from the tradition of his forefathers and unify the Huns (Heather 325)....
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...Gatsby chapter 7 is all about changes. For changes in books to be entertaining to the audience it must include rhetorical devices; and that is what chapter seven is all about. The speaker and narrator of the book is Nick Carraway a bank broker who lives in West Egg, Long island. Nick uses Rhetorical devices throughout the story. He uses imagery to help us imagine what he sees. He also uses figurative language to make comparisons between two different things and it makes the book more exciting. Last but not least he uses tone to emphasize how he feels at that exact moment. The author, S.Scott Fitzgerald, and narrator, Nick Carraway, uses rhetoric devices like imagery, figurative language, and tone in chapter 7 to create an aesthetic impact on the audience. Imagery was used in chapter 7 from the very first page....
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...In chapter 7 of Roll of Thunder: Hear My Cry, Stacey admits to Papa that Jeremy would make a better friend than T.J. By saying this, he means that Jeremy is dedicated to Stacey and their friendship, while T.J. uses Stacey, and causes Stacey’s family trouble. In chapter 6, on page 102, T.J. kept trying to convince Stacey that Stacey’s new coat is ugly, by saying things like “It's alright.if you like looking like a fat preacher”. On page 107, Stacey says that T.J. said that he should give the coat to him because it fit him better, so Stacey did. This shows that T.J. used Stacey to get the coat for himself. He lied to and tricked Stacey so that he could get what he wanted from him. In chapter 8, Willie Wiggins said that T.J. was talking to Kaleb Wallace “bout how Miz Logan failed him on purpose” and then said she wasn't a good teacher and that she the one stopped everybody from comin’ up to their store....
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...Case Analysis: Loewen 1. Loewen was able to grow between 1990 and 1995 through pre-need sales, or sales of cemetery plots for future use. While the pre-arranged funeral service revenues could not be recognized immediately, revenues from the pre-sale of cemetery plots could be. With the Baby-Boomer generation aging into their 50s and 60s, this market represented the major source of growth in the early 1990s. We do not believe Loewen created value with this source of revenue as it was simply benefitting from these customers earlier than otherwise would have been expected.(What about investment income on Cash in Advance?). We feel that pre-selling the cemetery plots only served to steal from revenues that would have normally been expected in the future (may need to add quantitative analysis here). 2. Financial comparison between Loewen and SCI from 1996 to 1998: a. Gross Margin – While SCI enjoyed stable gross margins ranging from 31.08% to 30.58% from the period of 1996 to 1998, while Loewen’s gross margins over the same period declined from 36.54% to 25.68%, reduction to GM of 29.72% (see Financial Comparison Table below). Both companies shared the strategy of growing through acquisition, however SCI focused more on owning acquisitions outright and seemed to realize operational efficiencies and shared fixed costs demonstrated by their consistent GM. Loewen took a less invasive approach and almost requiring original management to remain in place for certain time...
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...In an ideal world, plants would not be cut down; in an ideal world, animals would be allowed to survive; in an ideal world, humans would value the life that grew around them. Sadly, this is not our world. Every year, nearly 900,000,000 trees are cut down. In this decade alone, our percentage of deforestation has increased by 8.5 percent. How can humans allow this to go on? Why do they not see the true value of plants? Why can they not appreciate the beautiful mechanics of these fine specimen? Plant lives matter. Like humans, they have cells that make up their foundation. Like humans, they are made up of several organelles. Like humans, they are alive. In chapter 7, section 3 of Biology, the Dynamics of Life, they teach students about the organelles...
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...Fraud By Robyn Carter Forensic Accounting Data Analysis Bill Makkkawi October 13, 2009 Bankruptcy Fraud What is Bankruptcy? Bankruptcy is a way for individuals or businesses to satisfy debts. There are four types of bankruptcy. There is Chapter 7 which is a complete liquidation for individuals. Chapter 7 bankruptcy liquidates assets that are not exempt and uses the proceeds to pay creditors. In this bankruptcy creditors may be paid in full or a percentage based on the assets that were available. There is Chapter 11 which is for a business. Chapter 11 allows a business to reorganize its operation and finances so that it can pay its creditors. Sometimes in Chapter 11 another entity may take over the original entity in the reorganization. Creditors are told to give the entity time to reorganize and pay the debts. Then, there is Chapter 13 which is reorganization for individuals. Chapter 13 gives individuals a chance to pay creditors over 3 to 5 years through a Bankruptcy Trustee. Most assets can be kept depending on what percentage of the debts will be paid. If the debtor is paying the creditors in full then they would be able to keep all of their assets. This is only available for debtors with verifiable disposable income. The last type is Chapter 12 which is for farmers and fishermen (LII / Legal Information Institute). After completion of whichever chapter used, the creditor gets a “fresh start”. White Collar Crime Why...
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...discharge. The Federal Bankruptcy Act of 1898 had 3 principal objects in view: 1. To prevent preferences and ensure equality in payment as between the creditors of insolvent debtors; 2. To punish and discourage commercial fraud; and 3. To discharge honest debtors from their debts when overwhelmed by financial misfortune through no fault of their own. The act gave creditors collectively full power over the administration of insolvent estates and placed upon them the responsibility for enforcement of the act. New Legislation The new Legislation enacted by Congress called the Bankruptcy Abuse and Consumer Protection Act was intended to make it more difficult for debtors to file a Chapter 7 Bankruptcy under which most debts are forgiven or discharged and instead force debtors to file a Chapter 13 Bankruptcy under which debts are discharged only after the debtor has repaid some portion of these debts. Herbert Addison reports, On October 17, 2005 President Bush’s bankruptcy reform law goes into effect forever changing the rules of debt collection in this nation. Consumer advocates and the public appear to be...
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...two types: liquidation and reorganization. The U.S. Court of Bankruptcy (2015), states that among the popular proceedings are chapters 7, 11, 12, and 13, which individuals and businesses use to file. Chapter 7 bankruptcies normally fall into the liquidation category. This means that an individual’s own property can be taken away and sold in the process of liquidation in order to pay back the debts. Conversely, chapter 13 bankruptcies fall under the reorganization category, meaning that the individuals will probably be able to keep their property, but they must submit and stick to a plan that will allow the person to repay some or all of their debts within 3 to 5 years. A case filed under chapter 11 of the United States bankruptcy code is frequently referred to as a reorganization bankruptcy. Its bankruptcy proceedings are usually employed by struggling businesses as a way to get their affairs in order and pay off their debts. In addition, some individuals also file for chapter 11 bankruptcy when they are not eligible for chapter 13 bankruptcy or own large amount of non-exempt property (like a home). However, chapter 11 can be much more expensive and time consuming when compared to chapter 13, and the individual will probably need to speak to a lawyer to decide whether chapter 11 is the right pick for them (U.S. Court for Bankruptcy, 2015). The chapter 12...
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...years (www.pbs.org/3.25.05). The bill will make it harder for consumers to eliminate their debt with the use of bankruptcy. There are now new restrictions and a “means-test”, which determine if consumers can have their debts erased by Chapter 7 bankruptcy or Chapter 13 bankruptcy. The bill also makes attorneys liable for any inaccuracies in their clients’ bankruptcy filings. This bill has several controversial issues associated with it and will be explained later, along with the actual provisions of the bill. To understand the controversy, one must first understand what bankruptcy is and the difference between Chapter 7 and Chapter 13 bankruptcy filings. Chapter 7 bankruptcy is a liquidation proceeding in which the debtor turns over all of their non-exempt property to a bankruptcy trustee who converts it to cash to pay off the creditors. Within four months, the debtor is usually relieved of all obligations. In many cases, the debtor has no assets to lose, so Chapter 7 gives the individual a relatively quick “fresh start” (www.bankruptcyaction.com). The most common reasons for filing Chapter 7 bankruptcy include: unemployment, large medical expenses, extremely overextended credit, marital issues and other large unanticipated expenses. Chapter 13 bankruptcy is not as simple. Individuals who wish to pay off their debts in a three to five year period...
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...individual Chapters, each dealing with a different type of bankruptcy) but the bankruptcy laws of each state also play an important part; consequently, though there are bankruptcy kits, you will probably need a lawyer to successfully file and a lawyer search should focus on a bankruptcy attorney or bankruptcy law firm licensed in the debtor’s state of residence. The attorney licensed in your state can tell you how to file for bankruptcy in a federal court within your state. American bankruptcy is actually a form of relief granted by a court, so it is not so much a matter of a debtor “declaring bankruptcy”; rather, someone files a petition requesting that the court discharge or reduce or restructure debts in bankruptcy. In American bankruptcy, a federal court manages a debtor’s property to protect the debtor from his/her creditors and to benefit the creditors as much as possible under the circumstances. While bankruptcy is designed for long-term relief, one of the most important features of filing for bankruptcy is the “automatic stay.” When a petition is filed for bankruptcy, either by the debtor (“voluntary bankruptcy”) or by one of his/her creditors (“involuntary bankruptcy”), most collection efforts such as utility shut-offs, foreclosures, evictions, garnishments and lawsuits, are immediately stopped. There are types of bankruptcy covering all sorts of debtors but the 4 types used by most American debtors are Chapter 7, Chapter 11, Chapter 12 and Chapter 13. Addressing...
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...Environment of Business There are three types of bankruptcy – Chapter 7, Chapter 11 and Chapter 13. This discussion board post will discuss who can file Chapter 7 bankruptcy. Also discussed will be reasons why people file bankruptcy and how interest rates on loans and credit cards are affected by bankruptcy. The Chapter 7 bankruptcy is also referred to as liquidation, Chapter 11 bankruptcy is the reorganization of debt and Chapter 13 bankruptcy is the adjustment of debts of an individual with regular income (Types of Bankruptcy, 2011). An individual may file bankruptcy if they reside in the United States, within the last 6 years must not have been approved for a Chapter 7 release, and must not have been dismissed for bankruptcy filing within the last 180 days (Chapter 7, 2012). Within 6 months of filing for Chapter 7 bankruptcy, a person must also complete debt counseling classes and must pass a means test. A means test is a financial test given to see if a person qualifies for bankruptcy (Chapter 7, 2012). Although there are many reasons why a person would file for bankruptcy, only a few reasons will be mentioned in this discussion. The number one reason for filing for bankruptcy is medical expenses. Forty-two percent of those who filed for bankruptcy in 2010 were due to medical expenses. Twenty-two percent of bankruptcies were due to job loss, 15% for uncontrolled spending, 8% resulting from divorce and 7% due to unexpected disasters (Leading Causes of Bankruptcy, 2010)...
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...Chapter 7 Bankruptcy Chapter 7 Bankruptcy is a “liquidation form of bankruptcy under federal law (Twomey & Jennings, 2014, p. 747)”, in which one can convert property into money to pay a debt or to satisfy other financial responsibilities (Twomey & Jennings, 2014, p. 747). Consumers, such as Andy, must exhibit their inability to repay their debt, as well as, satisfy the requirements outlined in a “means test” in accordance with The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCA) (Twomey & Jennings, 2014, pp. 748-749). A Chapter 7 Bankruptcy “means” test is performed by the state in which one is filing for bankruptcy. In shaping his voluntary decision, in which Andy petitions the court and files for a Chapter 7 Bankruptcy on his own accord, Andy’s “means” testing would be determined by the state of Florida’s median family income. If Andy’s disposable income is equal to or less than Florida’s median family income, then Andy could move forward to petition the court for Chapter 7 Bankruptcy. For the purpose of this case study, we will use the median income for Orange Park, Florida and consider Andy’s household to be 1 since it is not known if Andy claims his dependent child on his federal income taxes. The Bankruptcy Means Test Calculator for Orange Park, Florida (Clay County) calculated Andy’s median income at $2222.22 monthly based on his annual salary of $40,000. In Clay County, Florida the median income for one member household is $3445.00...
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